H.R. 5317 · 119th Congress · pending
Community Bank Deposit Access Act of 2025
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest official action 2026-05-21 · Referred
The bill, briefly
Community Bank Deposit Access Act of 2025 This bill changes the treatment of certain types of deposits so they are no longer classified as brokered deposits. Brokered deposits are funds placed by a broker on behalf of a client in a depository institution to maximize interest rates and for depository insurance purposes. Currently, institutions that accept brokered deposits may be subject to additional oversight. In particular, under the bill, custodial deposits at insured depository institutions with less than $10 billion in total assets shall not be treated as brokered deposits if the deposits do not exceed 20% of the institution’s liabilities. The institution must be well-capitalized and have a specified minimum soundness rating, or be in possession of a waiver from the Federal Deposit Insurance Corporation. The bill also generally applies existing interest rate limits applicable to institutions that are not well-capitalized to similar institutions that accept custodial deposits.
Congressional Research Service · 2025-11-04
Who reported lobbying on this bill?
Amount spent specifically on this bill: not disclosed
The reports below name this bill and disclose an organization’s overall lobbying expenses or a firm’s client income for the period. They can cover many bills and issues. These amounts are not payments to the bill or its politicians.
No matching lobbying report is imported yet. This is not evidence that no lobbying occurred.
2,409 latest lobbying reports imported. Some source imports are still in progress.
Politicians behind the bill
Sponsors and cosponsors from the official source, limited to members currently in office. Campaign amounts are cycle-wide and are not payments for this bill.
0 of 0 source cosponsor records retrieved; only current officials and unwithdrawn sponsorships appear.
PAC donors to the listed sponsors
These are all-cycle contributions to the listed sponsors’ and cosponsors’ campaigns. FEC does not attribute them to this bill. A donation plus sponsorship does not establish why a politician acted.
MORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$16,000
J. French Hill · Sponsor · $16,000
Official PAC recordAFLAC POLITICAL ACTION COMMITTEE (AFLAC PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordALLSTATE INSURANCE COMPANY PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordALLY FINANCIAL INC. ADVOCACY POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordAMERICA'S CREDIT UNIONS PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordAMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordAMERICAN COUNCIL OF LIFE INSURERS POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordAMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordAMERICAN LAND TITLE ASSOCIATION TITLE INDUSTRY PAC (TIPAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordAMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION POLITICAL ACTION COMMITTEE (INSURING AMERICA PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordAMERICAN SENIORS HOUSING ASSOCIATION (SENIORS HOUSING PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordARKANSAS FOR LEADERSHIP POLITICAL ACTION COMMITTEE (ARKPAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordASSOCIATED BUILDERS AND CONTRACTORS, INC. POLITICAL ACTION COMMITTEE (ABC PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordBANK OF AMERICA CORPORATION FEDERAL PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordBMO FINANCIAL CORP GOOD GOVERNANCE FUND: FEDERAL (BMO PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordCAPITAL ONE FINANCIAL CORP. ASSOC. POLITICAL FUND$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordCATERPILLAR INC. POLITICAL ACTION COMMITTEE (CATPAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordCITIGROUP INC. PAC - FEDERAL (CITI PAC - FEDERAL)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordCME GROUP INC. PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordDELOITTE POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordERNST & YOUNG POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordEXPERIAN NORTH AMERICA, INC POLITICAL ACTION COMMITTEE (EXPERIAN PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordFAIR ISAAC CORPORATION POLITICAL ACTION COMMITTEE (FICO PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordFRANKLIN TEMPLETON INC. POLITICAL ACTION COMMITTEE (FRANKLIN TEMPLETON PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordFS PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordHILLTOP HOLDINGS INC PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordHONEYWELL INTERNATIONAL INC. TECHNOLOGIES PUBLIC AFFAIRS COUNCIL (HONPAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordINDEPENDENT COMMUNITY BANKERS OF AMERICA POLITICAL ACTION COMMITTEE (ICBA PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordINVESTMENT COMPANY INSTITUTE POLITICAL ACTION COMMITTEE (ICI PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordJPMORGAN CHASE & CO. FEDERAL POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordL3HARRIS TECHNOLOGIES, INC. PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordLIBERTY MUTUAL INSURANCE COMPANY - PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordLOCKHEED MARTIN CORPORATION EMPLOYEES' POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordLSTA, INC. PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordMANAGED FUNDS ASSOCIATION POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordMARSH & MCLENNAN COMPANIES, INC. POLITICAL ACTION COMMITTEE (MARSH PAC)$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordMASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY POLITICAL ACTION COMMITTEE$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordMETLIFE INC. EMPLOYEES' POLITICAL PARTICIPATION FUND A$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordMR. SOUTHERN MISSOURIAN IN THE HOUSE PAC$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordNATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS POLITICAL ACTION COMM$10,000
J. French Hill · Sponsor · $10,000
Official PAC recordThe largest 40 donor totals appear here. Open each politician for their complete, paginated PAC donor list.
What happened after enactment?
This bill is not enacted. Post-enactment results do not apply yet.